A sudden physical failure from a mechanical, electrical, or pressure cause. Typical triggers are an electrical arc or short in a panel or transformer, a motor or compressor seizing, or a pressure vessel rupturing. A control system failing in a way that damages the equipment itself counts too. The distinction that matters is that the equipment must damage itself. A machine ruined by a sprinkler leak is a property claim. The same machine ruined when its own windings burn out is an equipment breakdown claim.
Related FAQs
Standard property typically excludes the equipment’s own mechanical, electrical, or pressure breakdown, so this coverage is usually added on.
Many programs include business income and extra expense from a covered breakdown. We will review what fits your operation.
No. A warranty covers defects and upkeep. Equipment breakdown insurance covers sudden accidental failure and the resulting business losses.
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